Toupesu is the acronym of ROSCA (Rotating Savings and Credit Association) in multiple African languages. - Tontine in Cameroon - Upato in Tanzania - Esusu in Nigeria - Susu in Ghana - Stokvel in South Africa It is a scheme in which members of a community (friends, family, colleagues, etc.) come together to save for the benefit of all. They use several techniques to choose the beneficiary. Toupesu digitally mimics all those different techniques across geographies.